Comparing final expense quotes is the surest way to avoid overpaying. Here is what to compare and how to do it fast.
What to compare across final expense quotes
When you line up quotes, hold the coverage amount constant so you are comparing apples to apples, then look at four things: the monthly premium, the carrier's A.M. Best financial strength rating, whether coverage is immediate or uses a graded period, and the company's reputation for paying claims. The cheapest quote is not always best โ a slightly higher premium with immediate full coverage can beat a low quote that carries a multi-year graded benefit. Comparing these details side by side reveals the true value, not just the headline price.
The fastest way to compare quotes
You could request quotes one carrier at a time, but that is slow and exposes you to repeated sales calls. The faster path is an independent licensed agent who shops many A-rated final expense carriers at once and presents the best matches for your age and health in a single conversation. Because each carrier underwrites conditions differently, an agent can also steer you toward the company most likely to approve you at the lowest rate. Call 1-800-MEDIGAP (1-800-633-4427) for a free, no-obligation comparison tailored to you.
